Protecting Your Workplace from Violence

According to OSHA, 2 million American workers are victims of workplace violence each year. That is a pretty scary statistic if you ask me. As employers, what do you do to protect your employees? OSHA Fact Sheet states the best protection employers can offer is to establish a zero-tolerance policy toward workplace violence against or by their employees. The employer should establish a workplace violence prevention program or incorporate the information into an existing accident prevention program, employee handbook, or manual of standard operating procedures. It is critical to ensure that all employees know the policy and understand that all claims of workplace violence will be investigated and remedied promptly. In addition, employers can offer additional protections such as the following:

  •  Provide safety education for employees so they know what conduct is not acceptable, what to do if they witness or are subjected to workplace violence, and how to protect themselves.
  • Secure the workplace. Where appropriate to the business, install video surveillance, extra lighting, and alarm systems to minimize access by outsiders through identification badges, electronic keys, and guards.
  • Provide drop safes to limit the amount of cash on hand. Keep a minimal amount of cash in registers during evening and late-night hours.
  • Equip field staff with cellular phones and hand-held alarms or noise devices, and require them to prepare a daily work plan and keep a contact person informed of their location throughout the day. Keep employer-provided vehicles properly maintained.
  • Instruct employees not to enter any location where they feel unsafe. Introduce a “buddy system” or provide and escort service or police assistance in potentially dangerous situations or at night.
  • Develop policies and procedures covering visits by home health-care providers. Address the conduct of home visits, the presence of others in the home during visits, and the worker’s right to refuse to provide services in a clearly hazardous situation.

For more tips from OSHA click here.

On October 1, 2011 new standards went into effect in Connecticut that requires health care employers with 50 or more full or part-time employees to create workplace safety committees to help prevent violence. For the purpose of this Act, “health care employer’ is any institution, as listed by the Act or defined in section 19a-490 of the Connecticut General Statutes, including hospitals, residential care homes, nursing homes, rest homes, home health care agencies, homemaker-home health agencies, assisted living services agencies, facilities for the care or treatment of mentally ill persons or persons with substance abuse issues, residential facilities for persons with intellectual disabilities and community health centers. Litchfield Insurance Group will be hosting an informative webinar in early March, addressing key requirements for forming your committee and keeping your employees safe. Final details of this event will be posted soon.

A Healthier Organization in 2012

January is here, the month of resolutions. I had to chuckle yesterday morning as I left the gym. Not a single treadmill or elliptical machine was empty. It was jam-packed as people started their New Year’s Resolution to lose weight and get healthy. The sad truth is, by March 1st there won’t be a wait for those machines because people will quickly revert back to their old ways which for many, doesn’t include the gym. Common excuses will create noise in their heads. “I don’t have the time” or “It is too expensive” or “I will never see the results I want to see” Remember this: Same habits equals same results.

Sometimes we need a little nudge from a personal trainer to help us get to where we need and want to be. Maybe this year is the year we hire a trainer at the gym to keep us motivated and on track.

What does this have to do with insurance you ask? I remember sitting at one of my meetings last year with who is now a loyal client. He looked at me at the end of our meeting and said with a smile on his face, “Litchfield Insurance Group is exactly what we need to get where we need to be.”  “You are like the trainer at the gym…you are that extra push we need to get our Risk Management strategies underway.”

Litchfield Insurance Group is more than just an insurance agency. We are Risk Management Consultants. My goal this year is to be your trainer. I want to educate you on how we can help reduce your Total Cost of Risk, through a variety of different strategies, making your organization much more attractive to the insurance marketplace.Being properly insured is your first step. Making sure you are proactively handling areas of risk within your organization is your second step. Together we can help implement the following for your organization to make it a healthier one:

  • Claims Management
  • Risk Management Education
  • Human Resource Compliance
  • Legal Assistance
  • FMLA, ADA, COBRA Compliance
  • Safety Trainings
  • Safety Committees
  • Wellness Programs
  • Sexual Harassment Prevention Training
  • OSHA Compliance

Check back weekly as I share some success stories and proven Risk Management strategies and techniques we have implemented for our clients over the years.

2012 is here! Let’s make it a great one!

Say NO to Harassment in the Workplace

It has been a snowy winter, possibly the snowiest on record in Connecticut.  Litchfield Insurance Group kicked off our seminar series this morning and although we are expecting another 6-8 inches today luckily it held off and the show went on.  We started the season off with our Non-Harassment seminar for Supervisors and Managers. It is mandated in the state of CT that employers with 50 or more employees require all of their Supervisors and Managers to sit through 2 hours of Sexual Harassment Prevention Training within the first six month of obtaining that position. Although it isn’t required it is highly recommended that the training is repeated once every two years.

Every company is at risk for dealing with a sexual harassment claim.  Some nonprofits may think it couldn’t exist in their organization.  Think again. For nonprofits the possibility of sexual harassment can exist for employees, volunteers, donors and board members.

Confused as to what constitutes sexual harassment? 

The U.S. Equal Employment Opportunity Commission defines sexual harassment as such: 

Unwelcome sexual advances, requests for sexual favors, and other verbal or physical conduct of a sexual nature constitutes sexual harassment when submission to or rejection of this conduct explicitly or implicitly affects an individual’s employment, unreasonably interferes with an individual’s work performance or creates an intimidating, hostile or offensive work environment.

 

There are two types of sexual harassment:

  1. Quid Pro Quo-meaning “this for that.”  An example would be-A supervisor asks an employee to go to dinner and drinks.  If that employee complies they will receive a raise.
  2. Hostile Environment-this can be caused by sexual harassment or other forms of harassment.  This can include posters, pictures, calendars, verbal communications, etc.  

Harassment can be verbal, visual, physical or written.

Sexual Harassment can be prevented.  It starts with awareness and training as well as an attitude that harassment will not be tolerated in your workplace.  

Litchfield Insurance Group can assist in training and making sure your organization is properly covered.

A Need for Change in 2011

What are the top issues facing you as a nonprofit leader? I ask this question all of the time while working with the non-profit sector. The number one response I get? Fundraising! How do we expand the current base of funding? How do we get more donors, more grants? I typically follow up with a question to these questions. That question is: What are you doing differently to increase fundraising revenue? With that I typically get the blank stare.

“When you are through changing, you are through.” –Bruce Barton. Think about this quote. Do you want your non-profit to be through? Not doing something different is going to get you the same results-the results that aren’t getting you what you need.

Change is your challenge for this year:

  • Change the way you raise money for your organization-
    So many non-profits continue to do the same fundraisers because that is what they have always done or they don’t try different things because they don’t want to make the effort.
  • Take the time to reevaluate your policies and procedures-Dated policies and procedures could potentially cost you thousands of dollars in lawsuits.
  • Revaluate your business relationships-
    Make sure you are receiving services you were once promised. More than likely you hired a particular vendor such as an insurance agent or an accountant because of their expertise and ability to help your organization succeed at fulfilling its mission. Are they truly working as a trusted advisor? If not it’s time for a change!

Definition of insanity: “Doing the same thing over and over again and expecting different results.”-Albert Einstein. Don’t go insane in 2011! Make a change!

Event Cancellation Insurance

It’s December and living in the Northwest Hills of CT we know it is just a matter of time before the snow hits. Although I’m not a huge fan of the winter, it would be nice to see a white Christmas. Connecticut non-profits near and far are hosting the last of many important events before another year quickly comes to an end. Unfortunately sometimes weather can put a damper on things or other unexpected events for that matter. If you are hosting an event this holiday season, remember to protect your event with cancellation insurance. Event cancellation provides coverage for many perils, including:

  • Weather (if policy is purchased 15 days in advance)
  • Earthquake, Flood, Tsunami
  • Terrorist act resulting in damage to the venue
  • Venues deemed unusable
  • Non-Appearance
  • Various other perils

Cheers to a safe, happy and successful holiday season!

‘Tis the Season to be Fundraising

The holidays are here and the craziness is among us.  Lists are being made, parking spots at the mall are impossible to find and shopping lines are out the door. We all tend to stress ourselves out this time of year and often forget to reflect on what this time is all about. It is the season of giving-when humanity is at its best.

Fundraising season for non-profits in Connecticut is at its peak. There is a certain feeling of warmth that comes over me when I attend local fundraising events.  It’s wonderful to see so many people coming together to support an organization that is constantly striving to make our world a better place.

A little known fact is that certain carriers exclude fundraising activities or special events from their General Liabiltiy policies. Remember to make sure your policy is properly protecting your function. You help make our world a better place. We make sure you are properly protected.